Bajaj Finance Limited Pitch Deck

Executive summary FY22 - Consolidated B BAJAJ FINSERV Balance Sheet and Franchise: 1. New loans booked increased by 46% to 24.68 MM as of 31 March 2022 as against 16.88 MM as of 31 March 2021. 2. Customer franchise increased by 19% to 57.57 MM as of 31 March 2022 as against 48.57 MM as of 31 March 2021. Operating Efficiencies 3. Net Interest Income for FY22 was up by 27% to $ 2,919 MM as against $ 2,303 MM in FY21. 4. Opex to NII for FY22 was 34.6% as against 30.7% in FY21. Credit Cost 5. Loan losses and provisions (expected credit loss) for FY22 stood at $ 640 MM as against $ 796 MM in FY21. In FY22, loan loss to average receivables was 2.84%. The Company has a management overlay provision of $ 141 MM as of 31 March 2022. Profitability and Capital 6. Profit after tax for FY22 grew 59% to $ 937 MM as against $ 589 MM in FY21. 7. Capital adequacy ratio (including Tier-Il capital) as of 31 March 2022 stood at 27.22%. Tier-1 capital stood at 24.75%. Consolidated leverage was 4.9X. The Company remains one of the most capitalised companies in financial sector amongst large companies. 15

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